税金 罠(にかける) on new NS&I British 貯金 社債s when you 支払う/賃金 in just £7,700
- 保証(人)d Growth 社債s lock your money away for three years and 支払う/賃金 4.15%?
- They are structured so they can only be 接近d at end of the three-year 称する,呼ぶ/期間/用語
Savers who put just £7,705 into NS&I’s new British 貯金 社債s could be landed with a 税金 法案 in three years’ time, 予定 to the way the 社債s are structured. Higher 率 taxpayers will 支払う/賃金 税金 if they have just £3,852 in the new account.
The 保証(人)d Growth 社債s, which went on sale last week, lock your money away for three years and 支払う/賃金 a 率 of 4.15 per cent a year.
Although 利益/興味 is earned every year, NS&I has structured the 社債s so that it can only be 接近d at the end of the three-year 称する,呼ぶ/期間/用語. As a result, they are 税金d as if all of the 利益/興味 is earned in a 選び出す/独身 year, which leads to a greater 税金 法案.
Savers have a personal 貯金 allowance that 許すs basic 率 taxpayers to earn up to £1,000 in 利益/興味 each 税金 year without 支払う/賃金ing 税金. Higher 率 taxpayers can earn up to £500 and 付加 率 taxpayers have no allowance.
New 申し込む/申し出ing: NS&I's 保証(人)d Growth 社債s, which went on sale last week, lock your money away for three years and 支払う/賃金 a 率 of 4.15% a year
Any 利益/興味 earned above those allowances attracts 所得税 at savers’ ごくわずかの 税金 率.
If a saver puts £10,000 into one of the 社債s, they would receive £415 in 利益/興味 in the first year, £432 in the second and £450 in the third year.?
The 利益/興味 earned 増加するs every year because 利益/興味 from previous years is 追加するd to the 資本/首都 and 利益s from 構内/化合物ing.
If the 利益/興味 paid out every year, each 利益/興味 支払い(額) would 利益 from that year’s personal 貯金 allowance.
But because 利益/興味 is only paid at the end of the 称する,呼ぶ/期間/用語, HMRC 税金s all three years’ 価値(がある) of 利益/興味 ? £1,297 ? at once.
A basic-率 taxpayer would 背負い込む a £60 税金 法案 on the £297 that 越えるd their allowance. If the 利益/興味 was paid out 毎年, there would be no 法案 to 支払う/賃金.
NS&I says it structures the 社債s in this way so that 顧客s get the 利益 of 構内/化合物 利益/興味, which they would not if the 利益/興味 was paid out every year.
Savers putting their money into NS&I’s new British 貯金 社債s could take advantage of a simple trick to 削除する the 税金 法案 on their 利益/興味.
Catch: NS&I has structured the 社債s so t hat it can only be 接近d at the end of the three-year 称する,呼ぶ/期間/用語
Instead of the 保証(人)d Growth 社債, savers could 選ぶ for the 保証(人)d Income 社債, which 支払う/賃金s a lower 年次の 率 of 4.07 per cent, but 支払う/賃金s 利益/興味 月毎の.
Several 競争相手 providers 申し込む/申し出 better 取引,協定s. Oxbury and Hodge banks 支払う/賃金 4.66 per cent on their three-year 直す/買収する,八百長をするd-率 社債s, while at の近くに Brothers, RCI Bank and Hampshire 信用 the 率 is 4.65 per cent.
These better 率s mean you are 行方不明の out on up to £164 利益/興味 a year on each £10,000 by sticking with NS&I.
Money Mail is (選挙などの)運動をするing for the personal 貯金 allowance to be 二塁打d from £1,000 to £2,000 so that savers who have prudently saved nest eggs no longer 直面する 税金 法案s on their 利益/興味.
An 概算の 2.7 million savers were 攻撃する,衝突する with a 税金 法案 on their 利益/興味 for the first time in the last 税金 year ? up by one million on the previous year.